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Reviewed by Addiction treatment can be overwhelming, but finding a rehab facility that accepts your insurance shouldn’t add to the stress.
If you are covered by UMR, the nation’s largest third-party administrator (TPA) and a subsidiary of UnitedHealthcare, there’s good news. UMR works with a wide range of rehabilitation centers, ensuring access to top-quality care without the financial burden.
As a TPA for self-funded plans, UMR bridges the gap between healthcare providers and patients, offering personalized solutions prioritizing your health and recovery journey. Explore the best rehab facilities that accept UMR for addiction treatment.
Table Of Contents:
- About UMR Health Insurance Coverage
- Does UMR Cover Rehab?
- Does UMR Cover Therapy?
- UMR Length Coverage
- How to Pay For Rehab with UMR Insurance?
- Rehabs that Take UMR Insurance Coverage
- Check UMR Benefits
- How to Pay For Rehab Not Covered by UMR?
- UMR Insurance Coverage for Rehab โ Final Thoughts
- People Also Ask
About UMR Health Insurance Coverage
United Medical Resources (UMR), a subsidiary of UnitedHealthcare Services Incorporated, doesn’t directly cover drug and alcohol rehab treatment, but its network of healthcare providers does.
UMR delivers administrative services for healthcare plans, such as claims processing, member services, and provider network management. It also collaborates with employer groups to design and manage healthcare plans that meet their employees’ specific needs.
UMR is particularly helpful in care management, wellness programs, claims recovery, and pharmacy benefits administration. UMR partners with over 150 preferred provider organizations (PPO) and physician hospital organization (PHO) networks, including those within UnitedHealthcareโs national networks.
Does UMR Cover Rehab?
Similarly to other healthcare providers, UMR operates following the Affordable Care Act (ACA). This legislation mandates including coverage for mental health services and substance abuse treatments within health care plans. As a result, UMR rehab coverage may cover several elements of addiction treatment, including:
- Drug detox: Managing withdrawal symptoms under medical supervision.
- Inpatient rehab: Intensive treatment in a structured living environment.
- Outpatient rehab: Less intensive program allows patients to receive treatment at home.
- Intensive Outpatient Program (IOP): Less intensive outpatient care with regularly scheduled sessions.
- Partial Hospitalization (PHP): Intensive outpatient program with daily structured treatment.
- Medication-Assisted Treatment (MAT): Combines therapy with medications for opioid or alcohol addiction.
Due to the diverse network of healthcare providers UMR partners with, there’s no one-size-fits-all approach to determining coverage or service delivery. Check your insurance policy to know what is covered and for how long. A physician must usually authorize the services and confirm they’re medically necessary.
Does UMR Cover Therapy?
Due to the Affordable Care Act (ACA) and mental parity laws, UMR is required to provide equitable coverage for mental health and substance abuse treatment through its providers. This includes coverage for evidence-based therapies, behavioral diagnostic exams, talk therapy, and prescription drugs.
Some types of therapy that UMR may cover include:
- Cognitive behavioral therapy (CBT)
- Dialectical behavioral therapy (DBT)
- Eye movement desensitization and reprocessing (EMDR)
- Mindfulness practices
- Child-parent psychotherapy
- Acceptance and commitment therapy (ACT)
UMR Length Coverage
UMR does not mandate specific treatment durations for its partner insurance companies. The length of treatment is often determined by individual needs and is considered private health information.
While common drug rehab programs range from 30 to 90 days, UMR underscores collaboration between patients, doctors, and insurers to adapt treatment plans. UMR supports the Mental Health Parity and Addiction Equity Act, ensuring equitable coverage for mental health and substance abuse services.
However, some UMR insurance providers may limit the length of treatment covered. For mental health treatment, a therapist can work with the patient and their insurance provider to determine the length of coverage.
How to Pay For Rehab with UMR Insurance?
Once your annual deductible is fulfilled, your UMR plan may cover addiction treatment in full, allowing for 100% coverage of rehab costs.
However, if this isnโt the case, your UMR insurance’s specific amount for drug and alcohol rehab depends on factors like your plan, selected services, and deductible progress. UMR’s extensive network often leads to significant drug rehab cost reductions. While you can select any healthcare provider, opting for a UnitedHealthcare Choice Plus in-network facility offers advantages:
- No referral needed for addiction specialists
- Minimal paperwork
- Access to a vast network of providers with discounted rates (up to 20-30% savings)
- High likelihood your current doctor or facility is already in-network (or can become one)
Rehabs that Take UMR Insurance Coverage
As a leading third-party administrator, UMR connects individuals seeking addiction treatment with a vast network of healthcare providers nationwide. Check some of the available UMR in-network options:
- River Oaks Treatment Center in Florida offers evidence-based rehabilitation with hotel-like accommodations.
- Laguna Treatment Hospital in California with experiential therapies and recreational activities.
- Greenhouse Treatment Center in Texas provides specialized treatment and medication management.
- Oxford Treatment Center in Mississippi follows a clinical-based therapy offering medical detox and co-occurring disorder care.
While this list provides a couple of options, always verify insurance coverage directly with the facility before starting treatment.
Check UMR Benefits
Understanding your UMR benefits is crucial when considering drug rehab. While UMR generally covers addiction treatment, the specifics of your coverage depend on your particular plan.ย To check your UMR coverage:
- Log into your UMR online account: Look for sections related to mental health and substance abuse benefits.
- Contact UMR Customer Service: Call the number on the back of your insurance card to speak with a representative.
- Verify with the Rehab Facility: Many rehab facilities have staff dedicated to insurance verification. Check with them.
Even if your UMR plan covers addiction treatment, there may be limitations. It’s essential to fully understand your benefits before starting rehab.
How to Pay For Rehab Not Covered by UMR?
While UMR-affiliated insurance companies often offer comprehensive addiction and mental health coverage, treatment costs may vary. Out-of-pocket expenses like copayments can impact rehab affordability.
To manage these drug rehab costs, consider alternative payment options such as payment plans, medical discount programs, medical credit lines, or charitable assistance. For personalized guidance on your insurance coverage, contact your insurance provider directly for detailed information.
UMR Insurance Coverage for Rehab โ Final Thoughts
While UMR and its partner insurance companies often cover addiction treatment, understanding your planโs specifics can help you make better choices.
Remember, it’s illegal for insurance companies to increase rates after using coverage benefits utilization. If you are unsure where to start or would like a helping hand during the facility selection process, contact your insurance provider directly to clarify details.
Enroll in a rehab facility that accepts UMR insurance and start your journey to recovery today.
People Also Ask
Is UMR the same as UnitedHealthcare?
No, UMR is not the same as UnitedHealthcare, although they are related. UMR is a third-party administrator (TPA) that works with insurance companies like UnitedHealthcare to process claims and manage healthcare benefits.
Does UMR cover drug rehab?
Yes, UMR typically covers mental health and substance abuse treatment in their plan management. However, the specific coverage can vary depending on the insurance plan. Check your individual UMR plan for details.
How to check UMR balance?
To check your UMR balance, log into your online UMR account, where you can typically see detailed balance information and review any claims or benefits. Contacting UMR customer service is another way to get the information you need.
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Page Sources
- UMR. Employer | UnitedHealthcare. https://www.uhc.com/employer/employer-resources/umr
- Isola, S., & Reddivari, A. K. R. (2023, July 10). Affordable Care Act. StatPearls - NCBI Bookshelf. https://www.ncbi.nlm.nih.gov/books/NBK549767/
- What is copay? https://www.uhc.com/understanding-health-insurance/understanding-health-insurance-costs/types-of-health-insurance-costs/copay-coinsurance-and-out-of-pocket-maximum
- Welcome to UMR. https://www.umr.com/oss/cms/welcometoumr/medicalbenefits.html